Citibank Reviews

RE: Citi Bank consumer credit card, Home Depot. You lowered my credit limit because my card was inactive. I had been with you for 20+ years in good standing. My credit limit was very high. It was not lowered at my request. My credit is excellent and if I would have gone into the Depot to make a large purchase, above the $5000 you had lowered my available credit to, I would have had to make a request to increase my credit limit while standing in line at the depot.

I went into Citibank on Thursday of last week and deposited a large cashier's check. On Friday, I tried to transfer the majority of the funds to my Capital One account, which is my primary account that I use. I almost updated my email address to my Hotmail because I don't use my Gmail account. Citibank canceled the external transaction then blocked and closed my account for absolutely no reason. No one called me. I didn't absolutely nothing wrong. I had my account since 2018 and they never had one issue with me. Not one phone call from customer service or fraud prevention. Just closed my account, and now I have to wait 30 to 60 days for my money and reason on why they closed my account. I'm completely hurt by this. I had workers that began working on my house, which I had to stop them and bills to pay. I'm currently out of because I had a knee replacement.

When you call you can expect to spend 15 minutes with A.I. and then you will get transferred to a call center that is out of the United States. After a minimum of an hour, you may get to someone. I had a $1,500.00 balance with them and was going to move it to a ZERO interest card. I called and spend over an hour cancelling my card and then I cut it up. I realized that I couldn't retrieve my full account number on line....... ANYWHERE...... I could not transfer my balance without this account number.

I have been a Citibank customer for over 20 years and am done giving them my money. I would contact them, but the only option is a Chatbot or sitting on hold only to talk to someone in another country who sounds like a Chatbot. I filed 2 disputes with them and gathered legitimate information to show I was improperly charged and "was found responsible" for the charges even though they could not show me how that was true. They just said they completed their investigation and there was no attempt on their part to help me.

I would give 0 starts if possible. By far the worst bank I have ever dealt with. I opened a credit card over 2 months ago to balance transfer funds to from another credit card. I waited weeks for it and it never came in the mail. They later told me it was shut down for fraud yet couldn't explain why. They then called my other bank I wanted funds transferred from and GOT that card shut down for fraud too. I called them and they didn't know why they were reporting either and Chase instantly opened my card up again. I had to get SNAIL mail letters to confirm my identity to Citi Bank for my card to be mailed. They have mailed my card 3 times now and ALL were sent back in the mail apparently via the post office so I have YET to get my card in almost 3 months. I even opened a new savings account with another bank and within a week got my card… so I KNOW it isn’t my address.

I opened a Citi AAdvantage card with a new-member offer of 80,000 AAdvantage miles after spending $3,500. I completed the required $3,500 spending in February and therefore fulfilled my part of the promotional offer. In April, I was first notified that there was a known issue preventing the miles from being credited after I called to ask when the miles would hit my account. I was told the issue would be resolved and that my miles should post within 1–2 billing cycles. That was over 5 months ago.

RE: CITIBANK services and Citigold membership experience. Normally I do not do reviews. As a matter of fact, in my 60+ year lifespan it is the second review I have ever written. But it is worth it. I have been a CITIBANK customer for ~30 years with a variable degree of satisfaction. Several years ago, I was allured with promises of dream-like benefits of Citigold membership and consolidated more of my savings with CITIBAK. Wrong, bad idea. None of the promises were true. Keep your money elsewhere. Here are few examples.

The shittiest support ever. I got a new Citi credit card and they keep asking me to call and verify purchases although I have already done multiple times. Wait times on those calls are 30+ mins. Verification requires sending snail-mail (7-10 business days). The card is practically unusable. Trash.

The worst customer service ever. Five phone calls today 9/6/26 just to activate a debit card. The first claimed she sent text code three times while we did not receive any. She said she is locked out and asked us to call again. When asked why we should pay the price for your system disfunctionality, the answer was negative. Called again and went through all authentications, the representative asked my spouse to step away while she is asking the authentication questions. I cannot understand what representatives say via phone so my wife help ny repeating the question if I did not get it. The representative discriminated against me. When my wife asked to speak to her supervisor, she hung up. The calls after that ended up with representative hanging up each time. There is no way to activate via website. Never Citi bank again. Find a bank located here in the USA and go in-person. The worst ever.

This is the worst customer service. This probably will go nowhere but, just putting it out there. What a waste of time. The fact they spend so much funds on advertisement rather than simple customer service is insane. I do not know how this has become acceptable, ethical or legal. There is absolutely no recourse. Cannot get a hold of a human. Whoever in CITI has any normal sense of responsibility to simple service call is a total **.

I am extremely disappointed with Citi’s decision to reduce my credit limit by approximately 50%. What makes this decision particularly frustrating is that I have a 100% payment history and have never had any late payments. My utilization on my Citi account itself was only around 50%. However, Citi decided to significantly reduce my credit limit based primarily on the fact that I was using approximately 70–80% of my available credit with other banks. Instead of considering my excellent payment history and responsible management of my Citi account, they chose to cut my available credit in half. This immediately increased my overall credit utilization and negatively affected my credit score.

My bank account was hacked and the bank froze my account, so my payment on my Citi card did not go through. When I originally spoke with a Citi representative, they said they would waive the fee for a returned payment because it was through no fault of my own. Once it came time to remove the fee, they refused to do it. Crazy that they would choose to lose a loyal customer over this.

This bank is not one of the worst banks, it is the worst bank. I opened a business account on 8/17, then made a deposit on 8/18, I started to withdraw cash through the ATM on 8/19 and the transaction was declined. Then I called the customer service and I was transferred to the fraud prevention department where all the nightmares started.

Citibank customer service and support is the worst I ever experienced! Had fraud on my card before I even received card! I called to close card which was confirmed that it was. They confirmed. They kept charging me mounting intrest charges on fraud charges. It took 6 mths to get this resolved! Many endless phone calls only to be transferred to service reps and supervisors that had no clue how to treat a customer. I was talked down to like I was the problem and told by a rep “I’m going to hang up on you now. Call back another day”. Then was rude and unprofessional!

I had to cancel my Citi card and replaced it with a new card. I called customer service and they mailed the car by regular mail but I never received the card. I called customer service again and they said they were going to send me another card. I asked them to send it FedEx and the customer service person first was hesitant to do so. I told him I needed the card as soon as possible since I was going out of town and I I needed the card as soon as possible. Customer service person told me they were going to send it FedEx and I supposed to received it two to three days. Again I didn't receive the card in 3 days.

Terrible customer service. My debit card was hacked and somebody made a $505 payment to a citibank card. My card for 2 years had a zero balance. My credit union requested a letter from Citibank stating I never had a balance so I could be reimbursed for the transaction. They told me over the phone that I had a zero balance for 2 years but would not provide the email my credit union requested. So now I am out $500.

This is perhaps the WORST company ever to deal with. They sent me a fraud alert and locked my card. Said I had to call them. I have spent 2 days, 6 hours total on hold, being bounced to 20+ representatives and "specialists". Had me try the transaction at least 20+ times. Declined every time yet they kept insisting the card was fine. I have screen shots showing the card is locked yet they keep telling me it is not locked. I have tried both on the app and website. Uninstalled and reinstalled the app, cleared cache on my computer. Yet still not working. I am now on another hour on hold. Get this card at your own risk. Terrible customer service, terrible phone quality. Between the foreign accents, the background noise, echoes and delayed voice transmission it is impossible to get this resolved. I will pay my balance and cancel this card. The WORST CARD AND COMPANY.

Citibank is garbage! They recently took over American Airlines credit cards from Barclays. I pay my billon time. Me bank shows the transaction is cleared and they take 7-10 days to clear my c credit. I've been a loyal American Airlines customer for years. Never had an issue with Barclays. And now 4 months in on Citi I have to deal with then each month to post the transaction and clear my credit. I'd this how you treat an executive platinum member. 💯 Bullshit! Avoid at ask cost. I might be a Delta customer soon.

Citibank has earned every one star of 1,835 that you see. Horrible, Horrible, Horrible. The people are polite but the spider-web you need to untangle with any transaction is tiring. Many of the staff although very polite and professional do not understand their own companies policies. In my experience they left out pertinent information that caused me wasted time, frustration and anxiety. I remember from 40 years ago, the same situation. In my humble opinion, just don't do it.

Access to Citibank’s customer support is terrible. One is asked a very limited set of questions via AI and while attempting to get an actual person one is led around in a useless loop with no help. It’s despicable.

If I could give a zero star review, I would. After holding a Citi credit card for 3 1/2 years and paying either my balance in full or installments, every month well before the due date, I received an email two days ago that stated my account had been reviewed and my credit limit cut to 50% of the original amount. Apparently the decision was made from information gained off of Equifax. True to form, the disgusting big-bank attitude of zero customer respect or acknowledgement rears it's head. I do all of my banking with credit unions and private organizations, and I will now be closing this card with Citi, never to return. May businesses who operate in this manner go down and never return.

Not a fan of banks (i.e., Bank of America; Wells Fargo). Citibank is my least favorite. Back in the early 1980s, I was a student working paycheck to paycheck. I worked on the East Side of Manhattan near Dag Hammarskjöld Plaza while attending college classes at night. Anyway, I'd cash my check at the local Citibank a few blocks away. Back then, Citibank had two lines for customers. One was for customers with $100K in their accounts. The other line was for "everyone else."

Customer Service cannot be rated because you can't get to a customer service agent. AI agent prolongs the process. Waited on hold for over an hour before hanging up 3 different times.

They false advertise on American Airlines that if you apply for their credit card and get approved, they'll knock off $500 from the flight. We got approved and they never followed through with the discount. It's really just a scam to get you to sign up for their credit card. Beware!

I was a victim of fraud on a Costco Credit card, the hacker got to my online account, made a bunch of charges, created a checking account with Citibank and transferred a cash advance in the amount of $500. We reported the same day the problem and the Credit Fraud team, managed to cancel the charges, but seems that forgot to deal with the Cash advance and the fraudulent checking account created. Next day I am monitoring the account and I see that there is a wire coming from my checking account with other bank, in the amount of $2300.

Citibank turns over all its deceased accounts to a bill collector Ascension even if the account is currently paid in full and had been paid in full each month for 8 years. No opportunity for a final statement. No representative expressing concern unlike Bank of America and US Bank. Just an immediate turn over to a collection agency where both companies refuse to provide a itemized statement so the small amount not due for another 28 days could be paid. Really, sleazy and the only way around it was Costco who has signed on to be CitiBank’s partner. Costco sent a statement and it was paid but I have still received two wrap up letters from Ascensions to document their recognition of the payment while threatening to sue the estate if there are anymore charges. Not cool to harass someone who lost their partner of 35 years.

I contacted Citi before the payment was processed because I noticed my account was set up to make a full automatic payment of $3,336.31, which I never intended to authorize. I had already made a $200 payment for the month and requested that the automatic payment be canceled. The representative I spoke with the day before told me they could not see the transaction on their end, so there was nothing they could cancel. I monitored my account all day and didn’t see the payment pending either. The next day, as soon as the payment appeared, I contacted Citi again. This time I was told it was too late to cancel, even though I had already called the previous day asking for help. Instead of resolving the issue, I was told the payment would attempt to withdraw funds three separate times, potentially resulting in returned payment fees if there weren’t sufficient funds.

Get rid of the AI agent; I'm so tired of dealing with this thing. Anytime I call, it's at least 15 minutes with this thing to get to someone that can help me. Doesn't CitiBank make enough money to get rid of the AI bot? It's the worst customer service I've ever experienced. The people on the other end are great. If I wasn't forced to use CitiBank, I would stay 1000 miles away from it.

Citibank is not allowing us to put their credit card into a Google Wallet. Every time we use it from the Wallet, it flags it as a fraudulent transaction. I have been on the phone with Citibank several times. They said just don't use the Wallet, but when I ask if that means their card can't be used in the Wallet, they say that I can use it in the Wallet but if I do, it will get flagged as fraud. Huh? When I asked to speak with a manager, I was put an eternal hold and eventually just hung up. We are done with Citibank.

My husband and I applied for a CitiBank card with an application we received on an American airline flight, promising 80,000 miles if we spent $1000 each in the first 3 months, which we did. After inquiring about eligibility, we were assured by 3 different agents that we did. Our concern was that we’ve had Citibank cards before, but were assured we qualified. When our bill came it didn’t have the 80,000 miles. When inquiring we were told we had a card within 2 years. The card we applied for was a different type of card, and they did see in their own records that we were indeed told we qualified for the miles. They offered us 1000 miles, which doesn’t help us because you can’t use partial miles and cash. We feel it was definitely a bait and switch practice. We received no help from customer service **

Received my new card, and it will not allow me to activate. Called customer service to resolve and could not verify my identity. Called back so they could call my work to verify my identity. Which in itself is really weird. Every time I call, the wait time is 30 minutes. I wish I had never gotten this card. Terrible bank

If you must call Citibank to talk with a representative, the AI that greats you will not send to a live person, instead, it wants to go through all charges when you want to dispute calls. When you finally get to talk with a person after you’ve identified that you need to report fraud, the person you get is not on this continent and one cannot understand them. When they finally determine that you are reporting fraud, they then need to connect you to the fraud department, which is where the call should have been directed from the beginning. Then, of course, this person’s accent is so thick that they can’t be understood. With all the people out of work in the US, an American company should be employing US citizens rather than foreign call stations.

Terrible bank. You WILL NOT speak to an American via customer service and you WILL NOT find a physical location. If you trust an entirely online run Bank with Indian only customer support, this is the place for you, otherwise bank with literally anyone else.

I signed up for the Citibank brokerage account. Everything was fine for the first week, even though the layout of the app is horrible and not user-friendly. The second week, my account got locked, and I wasn't able to withdraw deposits or make trades. After talking to multiple people and being lied to that they would call me back, I finally found somebody who resolved my issue; it took a whole week and multiple people to talk to. They all lied to me and told me they would call back and none ever did except for the last guy who did resolve my issue.

Classic failure to support a customer. Rolled over from Barkley (AA advantage card). Name on Citi card is wrong. Card not accepted on travel websites. Called for changes and relief. After over an hour speaking with a representative, was told that I would have to wait until receiving a code n the mail which will take 7-10 business days. Then I have to call in the code and then wait to receive a new card (7-10 more business days?). All of this because their card is bad. Asked for an overnight mailing and was told it was not possible. Asked to speak to a manager, but was told one was not available. Was told I would get a call back. Hasn’t happened. Barkley card would send a replacement card overnight. I wonder who exactly benefited from this transition to citi.

I recently called to get my balance. I paid the balance in full with a real person on the phone. A month later, I got a few letters. I ignored them. Because I no longer do business with Citibank and my account was paid off. But apparently there was a few dollars that wasn't paid. Due to interests that got lost along the way. So for 3 months, this went on and shot my credit down. What I failed to understand is when you called to pay off your bill in full, and you pay the bill off in full. How they're able to add 3 extra dollars and completely ruin your credit. After three months and not even care. How they get away with that blows my mind. I will never do business with citibank. Again, high interest rates for no reason.

Customer service was awful. Charges fees and refuses to help customers when being overcharged on merchandises. We are all better off refusing to use these credit cards because we aren't receiving any real perks from them. TOTAL SCAM of a credit card.

I’ve called 3 times about my credit line increase. They have run my report each time and still at square 1. Employees need to be trained!!!!!!

These people are a NIGHTMARE. Citigroup, the parent company of Citibank, bought out Barclays who I’ve been using for my credit card services for 15 years. I never had an issue with Barclays. Citi hasn’t even sent me my new card yet and it’s been nothing but a nightmare already. I notified Citi that I would be taking my family to Europe on vacation about a week before we left. They shut down my existing card for no reason. I verified all of the charges with a service agent - the 11th agent I had to speak with…yes, I said the 11th agent- and she said that my card was good to go. Then, it continued to get declined. I called back and got a different story from a manager. Long story short, I am in Europe right now without a major credit card and we still have another week here. The Citi agents could not be more unhelpful.

Recently went on a trip to Greece. Booked a trip with Viator Las Vegas based company and the Driver in Greece stood us up. Citibank is charging us $500 for a trip we could not take. Said that I and my other traveler were lying and awarded the merchant $500 because the Merchant is in their pocket. They're not anybody to trust. Avoid Citibank like the plague. Get rid of your Citibank cards. They're not honest and only cater to the merchants not the customers who pay the interest.